SmartShift finance — portable homes from $78/week
Home/Finance

Own yours from
$78 a week.

Flexible finance through AusLoans Finance — fast approvals, weekly repayments, and no deposit options for eligible customers.

From $78/week
Fast approvals
No deposit options
Weekly, fortnightly or monthly
Indicative weekly repayments

Finance from $78 a week.

Based on a 7-year term at the indicative rate set out in the representative example below. Final rate and approval depend on individual circumstances and the lender's assessment. Finance is arranged through AusLoans Finance Group Pty Ltd (Australian Credit Licence 433137) — SmartShift Homes is not a credit provider.

Studio20 · Space
$78/wk
Weekly · 7-year term
From $19,900
Best value
Iris · Expander
$118/wk
Weekly · 7-year term
From $29,900
Alice · Studio
$141/wk
Weekly · 7-year term
From $35,900
Most popular
Lily · Expander
$305/wk
Weekly · 7-year term
From $78,900
SmartShift composite decking
Why choose finance?

More home,
less upfront.

Fast approvals — check your borrowing power in minutes.
Flexible repayments — weekly, fortnightly or monthly.
Match payments to income — ideal for Airbnb & rental investment.
No deposit options available for eligible customers.
Less documentation than a standard home loan.
Check your options
Indicative calculator
Estimate your repayments
Amount financed
$30,000
$7k$150k
Term
Indicative weekly
$118/wk
approx. $513/month · total approx. $43,067 over 7 years
Figures are indicative only at 9.95% p.a., plus a $395 establishment fee added to the loan and a $10/month account-keeping fee. Your actual rate, fees and approval depend on your circumstances and the lender's assessment — see the representative example below for the full disclosure.
Representative example
How the $78/week figure is calculated
Amount financed$19,200
Term7 years (364 weekly payments)
Interest rate (indicative)from 9.95% p.a.
Comparison ratefrom 11.21% p.a.
Establishment fee$395 (added to loan)
Monthly account-keeping fee$10
Weekly repayment$78
Total repaid over 7 yearsapprox. $28,200
Total cost of creditapprox. $9,000
WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.
Rates and fees in this example are indicative only and reflect typical pricing from AusLoans Finance Group Pty Ltd (Australian Credit Licence 433137) for asset-backed lending on relocatable buildings. Your actual rate, fees and approval depend on your individual circumstances and the lender's assessment. SmartShift Homes Pty Ltd is not a credit provider and does not provide credit assistance — finance is arranged through AusLoans. Consider whether the credit is right for you, read all terms before applying, and seek independent financial advice if needed.
How it works

Approved in 3 easy steps.

Step 01
01
Check your options
Request a quote and let us know you're interested in finance. We connect you with AusLoans Finance to check borrowing power — no impact on your credit score at this stage.
Step 02
02
Choose your repayments
Pick weekly, fortnightly or monthly repayments and the term that suits your budget. Your AusLoans consultant will find the best available rate for your situation.
Step 03
03
Get approved & order
Once approved, we lock in your order and begin production. Your home is delivered fully built — typically within 8–10 weeks of order confirmation.
Finance arranged through
AusLoans Finance Group

Finance arranged through AusLoans Finance Group Pty Ltd, Australian Credit Licence 433137. SmartShift Homes Pty Ltd is not a credit provider. All finance subject to credit approval and lender assessment. The weekly figures shown on this page are indicative only — see the representative example above for full pricing detail. Consider whether the credit is right for you and seek independent financial advice if needed.

Check your options
Common questions

Finance FAQs.

Can I get finance with bad credit?
AusLoans Finance works with lenders who consider applications from customers with impaired credit history. Speak to their team directly for an honest assessment.
How long does approval take?
Many applications receive conditional approval within hours. Full approval typically takes 1–3 business days depending on documentation and lender processing times.
Is a deposit required?
No deposit options are available for eligible customers. Some lenders may require a small deposit depending on your credit profile — your AusLoans consultant will advise.
Can I finance accessories too?
Yes — solar, aircon, water systems, off-grid waste, and trailers can all be included in your finance application alongside your SmartShift unit.
What loan terms are available?
Terms typically range from 2 to 7 years. Longer terms reduce weekly repayments but increase total interest. Your consultant can model different scenarios.
Do I need to own property?
No — asset finance for portable structures does not require you to be a homeowner. Finance is secured against the unit itself, making it accessible to renters and rural property owners.
Customer reviews

What people are
saying about us.

5.0★★★★★
Reviews on Google
★★★★★
"
So glad to have found this fantastic local business. Rocco made the whole experience so easy from start to finish, and was very helpful with ideas and suggestions for our customised cabin.
N
Nelson Family
2 months ago · Posted on Google
↗
★★★★★
"
Went down to see the display before ordering and that gave us a lot of confidence. The finished product looks superb and we're very happy with the result.
G
Geoff Whittaker
recently · Posted on Google
↗
See all reviews on Google
Get started today

Ready to check
your options?

Request a quote and we'll include finance details tailored to your chosen model — no obligation, no pressure, promptly.

No obligation
Prompt response
Fast lead times
Delivered fully built
Get a free quote Speak to the team